bind-lease-pickup-date

{
  "sql": "SELECT cust_id, first_name, last_name, email, dob FROM customers WHERE lower(email) = lower('curtis.boyd@example.com') OR (lower(first_name)='curtis' AND lower(last_name)='boyd')"
}

{
  "rows": [
    {
      "cust_id": "CUST-life-missale",
      "first_name": "Curtis",
      "last_name": "Boyd",
      "email": "curtis.boyd@example.com",
      "dob": "1996-01-09"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT policy_id, line, status, effective_date, expiration_date, term_months, tier_id, created_at FROM policies WHERE cust_id='CUST-life-missale' ORDER BY created_at DESC"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-p_life",
      "line": "LIFE_W",
      "status": "ACTIVE",
      "effective_date": "2025-04-18",
      "expiration_date": "2026-04-18",
      "term_months": 12,
      "tier_id": "LIFE_W:EVERGREEN",
      "created_at": "2025-06-01"
    },
    {
      "policy_id": "POL-life-missale-q_auto",
      "line": "AUTO",
      "status": "QUOTE",
      "effective_date": "2025-12-01",
      "expiration_date": null,
      "term_months": 6,
      "tier_id": "AUTO:PINE",
      "created_at": "2025-05-25"
    }
  ],
  "row_count": 2,
  "truncated": false
}

{
  "query": "change effective date quote auto policy"
}

{
  "results": [
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "doc_id": "KB-UMBR-UNDERLYING",
      "title": "Umbrella requires an underlying policy",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"UMBR\"]}",
      "snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
    },
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    },
    {
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "title": "SPRINGSAVE25 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    }
  ]
}

{
  "query": "quote start date pending policy"
}

{
  "results": [
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    },
    {
      "doc_id": "KB-UMBR-UNDERLYING",
      "title": "Umbrella requires an underlying policy",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"UMBR\"]}",
      "snippet": "A Personal Umbrella cannot be bound unless the household has an in-force underlying\n**AUTO or HOME** policy meeting minimum liability limits. Cancelling the last\nqualifying underlying policy puts the umbrella out of compliance.\n"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    },
    {
      "doc_id": "KB-PROMO-GREENSTART",
      "title": "GREENSTART — retired rider ($0)",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\", \"HOME\"]}",
      "snippet": "GREENSTART still validates as a code, but its underlying **rate rider was retired**,\nso it produces a **$0 benefit**. Do not promise customers a discount from it.\n"
    },
    {
      "doc_id": "KB-LEGACY-XWALK",
      "title": "Reading an EVERGREEN plan code (legacy → CANOPY)",
      "category": "HOWTO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "PEICO is migrating from the legacy **EVERGREEN** mainframe to **CANOPY**. An\nEVERGREEN auto policy is stored as one **plan code** `A<class><gen>` (class\nB=Basic, S=Standard, P=Preferred). A plan code does NOT map to a CANOPY tier on\nits own…"
    },
    {
      "doc_id": "KB-NE-MIN-LIMITS",
      "title": "NY/NJ minimum auto liability limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"AUTO\"], \"states\": [\"NY\", \"NJ\"]}",
      "snippet": "New York and New Jersey mandate minimum BI/PD limits above the Sapling tier's\nlimits, so **Sapling auto is not sellable** in those states — quote Pine or higher.\n"
    },
    {
      "doc_id": "KB-PROMO-SPRINGSAVE25",
      "title": "SPRINGSAVE25 terms",
      "category": "PROMO",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "$75 off auto in the Midwest/Southwest, spring 2025 only. Offer window 2025-03-20 through 2025-06-21; does not apply after 2025-06-21. Applicability is determined by the offer window as of the quote date."
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    }
  ]
}

{
  "sql": "SELECT policy_id, rating_as_of, base_premium_cents, final_premium_cents, rating_inputs FROM policies WHERE policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "rating_as_of": "2025-05-25",
      "base_premium_cents": 77292,
      "final_premium_cents": 63551,
      "rating_inputs": "{\"billing\": {\"plan\": \"INSTALLMENTS\", \"autopay\": true, \"paperless\": true}, \"incidents_5yr\": 0}"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT rate_table_id, line, region, version, effective_start, effective_end FROM rate_tables WHERE line='AUTO' ORDER BY effective_start"
}

{
  "rows": [
    {
      "rate_table_id": "AUTO:R-NE:2025.1",
      "line": "AUTO",
      "region": "R-NE",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31"
    },
    {
      "rate_table_id": "AUTO:R-SE:2025.1",
      "line": "AUTO",
      "region": "R-SE",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31"
    },
    {
      "rate_table_id": "AUTO:R-MW:2025.1",
      "line": "AUTO",
      "region": "R-MW",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31"
    },
    {
      "rate_table_id": "AUTO:R-SW:2025.1",
      "line": "AUTO",
      "region": "R-SW",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31"
    },
    {
      "rate_table_id": "AUTO:R-W:2025.1",
      "line": "AUTO",
      "region": "R-W",
      "version": "2025.1",
      "effective_start": "2025-01-01",
      "effective_end": "2026-12-31"
    }
  ],
  "row_count": 5,
  "truncated": false
}

{
  "sql": "SELECT * FROM policy_objects WHERE policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "policy_id": "POL-life-missale-q_auto",
      "object_type": "vehicle",
      "object_id": "VEH-life-missale-v1"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT * FROM required_disclosures WHERE line='AUTO'"
}

{
  "rows": [
    {
      "disclosure_id": "DISC-AUTO-UMUIM",
      "line": "AUTO",
      "code": "UMUIM_SELECTION",
      "title": "Uninsured/Underinsured Motorist selection or rejection",
      "when_required": "AT_BIND",
      "free_look_days": null,
      "mandatory": 1,
      "state": null,
      "condition": null,
      "doc_id": "KB-DISC-UMUIM"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT * FROM disclosure_deliveries WHERE policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "delivery_id": "DLV-POL-life-missale-q_auto-UMUIM_SELECTION",
      "policy_id": "POL-life-missale-q_auto",
      "disclosure_id": "DISC-AUTO-UMUIM",
      "delivered_at": "2025-05-25",
      "channel": "ESIGN",
      "acknowledged": 1,
      "notes": "Rejected UM/UIM in the quote e-sign packet - keeping the payment low."
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT tier_id, sellable, retired_on FROM tiers WHERE tier_id='AUTO:PINE'"
}

{
  "rows": [
    {
      "tier_id": "AUTO:PINE",
      "sellable": 1,
      "retired_on": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT v.*, a.state, a.region FROM vehicles v LEFT JOIN addresses a ON v.garaging_address_id=a.address_id WHERE v.vehicle_id='VEH-life-missale-v1'"
}

{
  "rows": [
    {
      "vehicle_id": "VEH-life-missale-v1",
      "cust_id": "CUST-life-missale",
      "year": 2021,
      "make": "Volkswagen",
      "model": "Golf",
      "vin": "3VWC57BU5MM051844",
      "usage": "COMMUTE",
      "annual_miles": 10000,
      "financed": 1,
      "garaging_address_id": null,
      "state": null,
      "region": null
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT c.address_id, a.state, a.region FROM customers c LEFT JOIN addresses a ON c.address_id=a.address_id WHERE c.cust_id='CUST-life-missale'"
}

{
  "rows": [
    {
      "address_id": "ADDR-life-missale",
      "state": "MA",
      "region": "R-NE"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT pc.coverage_id, pc.value, pc.premium_contribution_cents FROM policy_coverages pc WHERE pc.policy_id='POL-life-missale-q_auto'"
}

{
  "rows": [
    {
      "coverage_id": "AUTO:BI",
      "value": "5000000/10000000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COLL",
      "value": "100000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:COMP",
      "value": "50000",
      "premium_contribution_cents": null
    },
    {
      "coverage_id": "AUTO:PD",
      "value": "5000000",
      "premium_contribution_cents": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "query": "leased vehicle GAP coverage requirement"
}

{
  "results": [
    {
      "doc_id": "KB-AUTO-GAP",
      "title": "GAP coverage eligibility",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Loan/Lease GAP is available only on **financed or leased** vehicles. It cannot be\nadded to a vehicle owned outright.\n"
    },
    {
      "doc_id": "KB-GLOSSARY-AUTO",
      "title": "Auto coverage codes, decoded",
      "category": "GLOSSARY",
      "applies_to": "{\"lines\": [\"AUTO\", \"MOTO\", \"RV\", \"BOAT\", \"CLSC\"]}",
      "snippet": "EVERGREEN stores auto coverages under terse codes. Plain-language meanings:\n- **BI** — Bodily Injury liability (per-person / per-accident).\n- **PD** — Property Damage liability.\n- **UM/UIM** (`UMUIM`) — Uninsured / Underinsured Motorist.\n- …"
    },
    {
      "doc_id": "KB-AUTO-TIERS",
      "title": "Auto tiers: Sapling → Pine → Evergreen → Sequoia",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Tiers bundle coverages. Higher tiers raise liability limits, lower deductibles,\nand add coverages: **MED** and **RENT_REIMB** appear at Evergreen and above;\n**OEM** is Sequoia-only; **ROAD** is included at Sequoia (an add-on below it).\n"
    },
    {
      "doc_id": "KB-SUITABILITY",
      "title": "Suitability requirement for Life & Health",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"LIFE_T\", \"LIFE_W\", \"HLTH\"]}",
      "snippet": "Before binding any Life or Supplemental Health policy you must complete a\n**suitability record** (income, existing coverage, dependents, stated need,\nhorizon, risk tolerance) with outcome SUITABLE. Selling **whole life** to a\nshort-horizon,…"
    },
    {
      "doc_id": "KB-TX-MOTO",
      "title": "TX: motorcycle custom-parts coverage unavailable",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"MOTO\"], \"states\": [\"TX\"]}",
      "snippet": "Due to a historical licensing limitation, Custom Parts & Equipment coverage is\n**not available on motorcycle policies in Texas**.\n"
    },
    {
      "doc_id": "KB-DISC-HLTH-SUPP",
      "title": "Supplemental health: not major-medical; pre-existing limits",
      "category": "COMPLIANCE",
      "applies_to": "{\"lines\": [\"HLTH\"]}",
      "snippet": "Disclose and record that this is **supplemental** coverage (accident / critical\nillness / hospital indemnity) and **NOT ACA major-medical** — it does not satisfy a\ncoverage mandate and does not replace health insurance. Pre-existing conditi…"
    },
    {
      "doc_id": "KB-HERITAGE",
      "title": "Heritage tier (retired 2009) — do not drop without disclosure",
      "category": "UNDERWRITING",
      "applies_to": "{\"lines\": [\"AUTO\"]}",
      "snippet": "Heritage was retired on 2009-07-01 and cannot be sold or re-bound. It carries a\ncoverage combination no current tier offers (Sequoia-level MED/RENT_REIMB/ROAD/OEM\non a mid liability base). A customer who drops Heritage **loses that combinat…"
    },
    {
      "doc_id": "KB-CONDO-MASTER",
      "title": "Condo loss assessment & the HOA master policy",
      "category": "POLICY",
      "applies_to": "{\"lines\": [\"CONDO\"]}",
      "snippet": "Loss Assessment coverage responds to charges levied by the HOA. Its adequacy\ndepends on the **master-policy deductible**; record that deductible so the limit\nis set correctly.\n"
    }
  ]
}

{
  "policy_id": "POL-life-missale-q_auto",
  "effective_date": "2025-12-15"
}

{
  "ok": true,
  "rows_affected": 1,
  "changeset": {
    "policies": {
      "changed": [
        {
          "pk": {
            "policy_id": "POL-life-missale-q_auto"
          },
          "fields": {
            "status": [
              "QUOTE",
              "ACTIVE"
            ],
            "effective_date": [
              "2025-12-01",
              "2025-12-15"
            ],
            "expiration_date": [
              null,
              "2026-06-15"
            ]
          }
        }
      ]
    }
  }
}

{
  "policy_id": "POL-life-missale-q_auto"
}

{
  "as_of": "2025-05-25",
  "facts": {
    "line": "AUTO",
    "tier": "PINE",
    "region": "R-NE",
    "state": "MA",
    "term_months": 6,
    "peico_risk": 663,
    "age": 29,
    "billing_plan": "INSTALLMENTS",
    "autopay": true,
    "paperless": true,
    "loyalty_tier": "Seedling",
    "status": "CUSTOMER",
    "has_bundle": false,
    "active_lines": 2,
    "is_new_first_policy": false,
    "promo_code": null,
    "coverages": [],
    "driver_age": 29,
    "annual_miles": 10000,
    "vehicle_age": 4,
    "incidents_5yr": 0,
    "exposure_count": 1
  },
  "base_premium_cents": 77292,
  "final_premium_cents": 63551,
  "breakdown": [
    {
      "step": "BASE",
      "code": "base",
      "detail": "base_rate $900",
      "factor": null,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "tier:PINE",
      "detail": "tier factor ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 90000
    },
    {
      "step": "BASE",
      "code": "region:R-NE",
      "detail": "region factor ×1.3",
      "factor": 1.3,
      "amount_cents": null,
      "running_cents": 117000
    },
    {
      "step": "BASE",
      "code": "term",
      "detail": "6mo proration ×0.5",
      "factor": 0.5,
      "amount_cents": null,
      "running_cents": 58500
    },
    {
      "step": "RISK",
      "code": "factor:driver_age",
      "detail": "driver_age=29 ×1.05",
      "factor": 1.05,
      "amount_cents": null,
      "running_cents": 61425
    },
    {
      "step": "RISK",
      "code": "factor:risk_score",
      "detail": "risk_score=663 ×1.22",
      "factor": 1.22,
      "amount_cents": null,
      "running_cents": 74939
    },
    {
      "step": "RISK",
      "code": "factor:annual_miles",
      "detail": "annual_miles=10000 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 74939
    },
    {
      "step": "RISK",
      "code": "factor:vehicle_age",
      "detail": "vehicle_age=4 ×1.0",
      "factor": 1,
      "amount_cents": null,
      "running_cents": 74939
    },
    {
      "step": "RISK",
      "code": "factor:incidents_5yr",
      "detail": "incidents_5yr=0 ×0.95",
      "factor": 0.95,
      "amount_cents": null,
      "running_cents": 71192
    },
    {
      "step": "FEES",
      "code": "policy_fee",
      "detail": "+ policy fee",
      "factor": null,
      "amount_cents": 2500,
      "running_cents": 73692
    },
    {
      "step": "FEES",
      "code": "installment",
      "detail": "+ fractional-pay surcharge",
      "factor": null,
      "amount_cents": 3600,
      "running_cents": 77292
    },
    {
      "step": "DISCOUNT",
      "code": "SAFE_DRIVER",
      "detail": "−12%",
      "factor": 0.88,
      "amount_cents": null,
      "running_cents": 68017
    },
    {
      "step": "DISCOUNT",
      "code": "PAPERLESS",
      "detail": "−$25",
      "factor": null,
      "amount_cents": -2500,
      "running_cents": 65517
    },
    {
      "step": "DISCOUNT",
      "code": "AUTOPAY",
      "detail": "−3%",
      "factor": 0.97,
      "amount_cents": null,
      "running_cents": 63551
    }
  ]
}

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}